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Investor Presentaiton

Dubai Economic Update Highlights Dubai's real GDP growth was 4% in 2012; the main driver of growth was manufacturing, which expanded 13% y-o-y, and contributed 2% to the headline growth figure Dubai's 2013 GDP growth is forecasted at 4%; continued expansion in the manufacturing, trade and hospitality sectors as well as a continued recovery in real estate and business services should support broader business activity; construction sector expected to contribute positively to GDP growth for the first time since 2008, as recently announced projects get underway The estimate for H1 2013 of 4.9% growth is well above our forecast of 4% for the whole of 2013 Non-oil trade with other GCC countries, particularly Saudi Arabia and Qatar, are likely to continue to offset any weakness in trade with Europe and the US Dubai: Real GDP growth Y-o-y growth % Emirates NBD 6.0% 5.0% 4.9% 4.3% 4.0% 4.0% 3.2% 3.2% 2.7% 3.0% 2.0% 1.0% 0.0% -1.0% -2.0% -3.0% 2008 -2.4% 2009 2010 2011 2012 2013f 2014f - Source: Emirates NBD Research, Dubai Statistics Centre Dubai GDP – Composition by Sector, and Sector Growth Dubai GDP by Sector (%) - H1 15.0 2013 Fin Servcs. 12% Hotels 10.0 5% 5.0 Trade 29% Trans. 0.0 & 2012e 2013f comm. 14% Manuf. 16% RE 21% Other 3% -5.0 ■ Other ■Hotels ■Manuf. ■Trade RE Fin Servcs. ■Trans. & comm. Source: Dubai Statistics Centre, Haver Analytics 6
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